{"id":8819,"date":"2017-11-13T09:01:00","date_gmt":"2017-11-13T14:01:00","guid":{"rendered":"http:\/\/blog.paladinregistry.com\/?p=8819"},"modified":"2025-05-08T03:00:31","modified_gmt":"2025-05-08T07:00:31","slug":"the-pros-and-cons-of-investing-in-mutual-funds","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/investing\/the-pros-and-cons-of-investing-in-mutual-funds\/","title":{"rendered":"The Pros and Cons of Investing in Mutual Funds"},"content":{"rendered":"\n<p><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">Although working with a financial advisor who invests in mutual funds may seem like a great way to \u201cset it and forget it,\u201d most investors fail to realize the truth about what these investments are costing them in fees that typically fly under the radar. The reality is that holders of mutual funds are experiencing costs amounting to multiples of what is apparent to them. If these invisible costs were taken into account, many would see investing in mutual funds in a different light.<\/span><\/span><\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_68_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d1c50f1a1e9\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d1c50f1a1e9\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/the-pros-and-cons-of-investing-in-mutual-funds\/#The_expense_ratio_leaves_much_to_be_desired\" title=\"The expense ratio leaves much to be desired\">The expense ratio leaves much to be desired<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/the-pros-and-cons-of-investing-in-mutual-funds\/#Trading_and_management_fees\" title=\"Trading and management fees\">Trading and management fees<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/the-pros-and-cons-of-investing-in-mutual-funds\/#Tax_inefficiencies\" title=\"Tax inefficiencies\">Tax inefficiencies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/the-pros-and-cons-of-investing-in-mutual-funds\/#The_bottom_line_for_investors\" title=\"The bottom line for investors\">The bottom line for investors<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/the-pros-and-cons-of-investing-in-mutual-funds\/#Pros_of_investing_in_mutual_funds\" title=\"Pros of investing in mutual funds:\">Pros of investing in mutual funds:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/the-pros-and-cons-of-investing-in-mutual-funds\/#Cons_of_investing_in_mutual_funds\" title=\"Cons of investing in mutual funds:\">Cons of investing in mutual funds:<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/the-pros-and-cons-of-investing-in-mutual-funds\/#About_Dash_Investments\" title=\"About Dash Investments\">About Dash Investments<\/a><\/li><\/ul><\/nav><\/div>\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_expense_ratio_leaves_much_to_be_desired\"><\/span>The expense ratio leaves much to be desired<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">The advantages of investing in a mutual fund are many. Mutual funds are offered by SEC-registered investment companies that are heavily regulated. The manager\u2019s track record is clearly disclosed, and many funds offer track records of ten years or more. The performance is audited and subject to high regulatory scrutiny. By pooling assets together with the other investors in the fund, the owner of a smaller account gets access to higher-quality, institutional-caliber money management than he or she would be able to gain investing directly.&nbsp;<\/span><\/span><\/p>\n\n\n\n<p><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">With hundreds of mutual funds out there, how does an investor pick the right one? Evaluating a mutual fund on management fee alone can leave some pretty hefty costs out of the equation. The expense ratio compares the management fee (what the portfolio management company gets paid for operating the fund on behalf of the shareholders) versus the assets in the fund. Expense ratios are disclosed, by SEC law, in the fund\u2019s prospectus. <\/span><\/span><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Trading_and_management_fees\"><\/span>Trading and management fees<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">As they are deducted from the fund\u2019s net asset value, trading and management fees have the potential to have a significant impact on a mutual fund\u2019s performance and reduce returns to the shareholders. Mutual funds are actively managed. <\/span><\/span><\/p>\n\n\n\n<p><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">Mutual funds have management fees that are disclosed and trading costs that are not disclosed. <strong><a href=\"https:\/\/corporate.morningstar.com\/US\/documents\/researchpapers\/Fee_Trend.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">In one study by Morningstar<\/a><\/strong>, the average expense ratio for US stock mutual funds was 1.25%.<\/span><\/span><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\"><strong><a href=\"https:\/\/money.usnews.com\/money\/personal-finance\/mutual-funds\/articles\/2013\/03\/04\/how-mutual-fund-trading-costs-hurt-your-bottom-line\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"> To the Financial Analysts Journal<\/a><\/strong>, the average trading cost is 1.44% with small cap mutual funds paying, on average, 3.17% per year.<\/span><\/span><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\"> On expense ratio and trading costs alone, the average mutual fund is costing the investor nearly 2.7%.<\/span><\/span><\/p>\n\n\n\n<p><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">The reality is that on top of the 2.7%, there are other fees lurking behind the scenes, namely the financial-advisor fee. Investors working with a financial advisor who allocates money to mutual funds will pay the financial advisor\u2019s management fee of about 1% on top of the fees charged by the mutual fund. This may drive up expenses considerably and significantly reduce net return to the investor.<\/span><\/span><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tax_inefficiencies\"><\/span>Tax inefficiencies<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">Many investors do not consider the tax expense of owning shares in a mutual fund instead of holding the stock positions directly. It is common for investors to experience losses in portfolio value due to swings in investment value that they did not directly benefit from. <\/span><\/span><\/p>\n\n\n\n<p><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">Here\u2019s an example:<\/span><\/span><\/p>\n\n\n\n<p><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">Let\u2019s say that you bought into a mutual fund that holds a position in XYZ stock, which is currently trading at $30\/share. The next day, the stock drops to $20\/share, leading the portfolio manager to get out of the position. You\u2019ve essentially taken a $10\/share loss. But that\u2019s not where it ends. If the mutual fund bought into the position previous to you at a price lower than $20\/share, you also pay your share of the fund\u2019s capital gains tax. In essence, you are paying for other people\u2019s gains, not yours. <\/span><\/span><\/p>\n\n\n\n<p><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">To continue with the previous example, let\u2019s say the fund bought the stock at $5\/share. In addition to the loss of principal, you also are on the hook to pay out of pocket for a $15\/share gain. You\u2019ll see this on the annual 1099 form that the fund sends you at the end of the year. <\/span><\/span><\/p>\n\n\n\n<p><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">High turnover also drives up the tax bill if the positions are liquidated at a gain. <a href=\"http:\/\/www.investopedia.com\/articles\/mutualfund\/09\/mutual-fund-turnover-rate.asp\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><strong>According to Morningstar<\/strong><\/a>, the average mutual fund in the United States has a turnover ratio of more than 100%, meaning the entire portfolio is liquidated and replaced at least once over a 12-month period.<\/span><\/span><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_bottom_line_for_investors\"><\/span>The bottom line for investors<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">Although the advantages are several, investing through an investment advisor who directs money into mutual funds as opposed to holding the positions outright can have quite a substantial impact on portfolios. <\/span><\/span><\/p>\n\n\n\n<p><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">In this scenario, let\u2019s say you shell out 1 to 1.5% in advisor fees. This middleman then invests in a commingled vehicle such as a mutual fund or even life insurance or annuity vehicle, products that typically charge fees on top of that. Investors should also be aware that many financial advisors receive kickbacks or sales-load incentives for directing client money into certain mutual funds. Very often sub-par performers, these funds attract assets by luring advisors in through financial rewards. The bottom line for investors can be fees averaging from 3.7%, plus a hefty tax bill.<\/span><\/span><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pros_of_investing_in_mutual_funds\"><\/span>Pros of investing in mutual funds:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">SEC registered and heavily regulated<\/span><\/span><\/li>\n\n\n\n<li><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">Transparent track record<\/span><\/span><\/li>\n\n\n\n<li><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">Smaller investors gain access to institutional-caliber money management<\/span><\/span><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cons_of_investing_in_mutual_funds\"><\/span>Cons of investing in mutual funds:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">Trading costs<\/span><\/span><\/li>\n\n\n\n<li><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">Tax inefficiencies<\/span><\/span><\/li>\n\n\n\n<li><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">High turnover<\/span><\/span><\/li>\n\n\n\n<li><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">High fees<\/span><\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"margin: 0px; font-family: 'Times New Roman',serif; font-size: 12pt;\"><span style=\"color: #000000;\">Investors should rethink the choice to use an <a href=\"http:\/\/blog.paladinregistry.com\/advisors-2\/have-you-seen-your-financial-advisors-performance-results\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>advisor<\/strong> <\/a>who invests in mutual funds, as they carry with them a variety of implicit and explicit costs.&nbsp;<\/span><\/span><\/p>\n\n\n\n<p>To learn more about the most suitable tax-saving strategies for your specific financial requirements, visit&nbsp;Dash Investments&nbsp;or email me directly at&nbsp;<a href=\"mailto:dash@dashinvestments.com\"><strong>dash@dashinvestments.com<\/strong><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"About_Dash_Investments\"><\/span><strong>About Dash Investments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.dashinvestments.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Dash Investments<\/strong><\/a>&nbsp;is privately owned by&nbsp;<a href=\"https:\/\/www.paladinregistry.com\/blog\/author\/jonathan-dash-founder-cio-dash-investments\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Jonathan Dash<\/strong><\/a>&nbsp;and is an independent investment advisory firm, managing private client accounts for individuals and families across America. As a Registered Investment Advisor (RIA) firm with the SEC, they are fiduciaries who put clients\u2019 interests ahead of everything else.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.paladinregistry.com\/financial-advisory-firm\/woodland-hills\/california\/dash-investments\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Dash Investments<\/strong><\/a>&nbsp;offers a full range of investment advisory and financial services, which are tailored to each client\u2019s unique needs providing institutional-caliber money management services that are based upon a solid, proven research approach. Additionally, each client receives comprehensive financial planning to ensure they are moving toward their financial goals. CEO &amp; Chief Investment Officer&nbsp;Jonathan Dash&nbsp;has been covered in major business publications such as Barron\u2019s, The Wall Street Journal, and The New York Times as a leader in the investment industry with a track record of creating value for his firm\u2019s clients.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Although working with a financial advisor who invests in mutual funds may seem like a great way to \u201cset it and forget it,\u201d most investors fail to realize the truth about what these investments are costing them in fees that typically fly under the radar. The reality is that holders of mutual funds are experiencing costs amounting to multiples of what is apparent to them. If these invisible costs were<\/p>\n","protected":false},"author":125,"featured_media":8840,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[395],"tags":[],"class_list":["post-8819","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Pros and Cons of Investing in Mutual Funds<\/title>\n<meta name=\"description\" content=\"Here are four things you should consider when investing in mutual funds.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paladinregistry.com\/blog\/investing\/the-pros-and-cons-of-investing-in-mutual-funds\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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